John Ratchford

LPL ENTERPRISE

ATLANTA, GA 30326

CRD#: 3173417

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Professional summary

John Ratchford, CFP® is a registered financial advisor currently at LPL ENTERPRISE, LLC located in Atlanta, Georgia and FIRST COMMAND ADVISORY SERVICES located in Marietta, Georgia.

John is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1999. John has worked at 12 firms and has passed the Series 63, Series 65, Series 7TO, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

None

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view John Ratchford's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2011

Experience

Current

November 20, 2025 - Present

LPL ENTERPRISE, LLC

Office #1: 3343 Peachtree Road, N.e. Suite 700, Atlanta, GA 30326

RIA

CRD#: 8733

ATLANTA, GA

Current

June 22, 2026 - Present

FIRST COMMAND ADVISORY SERVICES

Office #1: 1640 Powers Ferry Road, Bldg 24, Suite 100 , Marietta, GA 30067

RIA

CRD#: 281958

Marietta, GA

Current

October 14, 2025 - Present

LPL ENTERPRISE, LLC

Office #1: 3343 Peachtree Road, N.e. Suite 700, Atlanta, GA 30326

RIA

CRD#: 8733

ATLANTA, GA

Current

June 17, 2026 - Present

FIRST COMMAND BROKERAGE SERVICES, INC.

Office #1: 1640 Powers Ferry Rd Bldg 24, Suite 100, Marietta, GA 30067

CRD#: 3641

MARIETTA, GA

Past

August 8, 2023 - August 23, 2023

FEFA FINANCIAL

RIA

CRD#: 324833

Atlanta, GA

Past

July 18, 2017 - December 13, 2019

ADVOCACY WEALTH MANAGEMENT, LLC

RIA

CRD#: 141943

ATLANTA, GA

Past

May 5, 2011 - November 1, 2013

FSC SECURITIES CORPORATION

RIA

CRD#: 7461

ATLANTA, GA

Past

March 9, 2011 - November 1, 2013

FSC SECURITIES CORPORATION

CRD#: 7461

ATLANTA, GA

Past

September 13, 2007 - February 15, 2011

OSAIC WEALTH, INC.

CRD#: 23131

DULUTH, GA

Past

June 23, 2004 - September 26, 2007

PRINCIPAL SECURITIES, INC.

CRD#: 1137

ATLANTA, GA

Past

July 27, 2001 - December 31, 2003

PRINCIPAL SECURITIES, INC.

CRD#: 1137

DES MOINES, IA

Past

April 5, 2000 - March 22, 2001

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

CRD#: 7691

NEW YORK, NY

Past

July 30, 1999 - April 5, 2000

E*TRADE SECURITIES LLC

CRD#: 29106

JERSEY CITY, NJ

Past

March 31, 1999 - July 16, 1999

IDS LIFE INSURANCE COMPANY

CRD#: 6321

MINNEAPOLIS, MN

Past

March 31, 1999 - July 16, 1999

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

MINNEAPOLIS, MN

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

FIRST COMMAND ADVISORY SERVICES

CRD#: 281958 / SEC#: 801-56942

RIA

Registered Investment Advisory firm - (7/28/2005 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Georgia
(10/30/2025)

IAR

Georgia
(11/20/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

Series 63

Date: 10/30/2025

Uniform Securities Agent State Law Examination

State Security Law Exam

IAR

Series 65

Date: 5/5/2000

Uniform Investment Adviser Law Examination

General Industry/Product Exam

Series 7TO

Date: 10/14/2025

General Securities Representative Examination

General Industry/Product Exam

SIE

Date: 7/25/2025

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 3/30/1999

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

FIRST COMMAND ADVISORY SERVICES

CRD#: 281958 / SEC#: 801-56942

RIA

Registered Investment Advisory firm - (7/28/2005 Approved)

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Contact information

Main Address

1 Firstcomm Plaza, Fort Worth, TX 76109

Mailing Address

Po Box 2387, Fort Worth, TX 76113-2387

Phone number

(817) 731-8621

Established

Firm type

Fiscal year end

# of Employees

1,787

SEC notice filing (52 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

DESCRIPTION OF SERVICES (12/26/2025)

WRAP PROGRAM BROCHURE (12/26/2025)

Regulatory assets under management

Total Number of Accounts	113,591
AUM (Assets Under Management)	$ 24,429,418,155

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

John Ratchford

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view John Ratchford's CRS (Customer Relationship Summary).

Certified licenses

Experience

FIRST COMMAND ADVISORY SERVICES

LPL ENTERPRISE, LLC

FIRST COMMAND BROKERAGE SERVICES, INC.

FEFA FINANCIAL

ADVOCACY WEALTH MANAGEMENT, LLC

FSC SECURITIES CORPORATION

FSC SECURITIES CORPORATION

OSAIC WEALTH, INC.

PRINCIPAL SECURITIES, INC.

PRINCIPAL SECURITIES, INC.

MERRILL LYNCH, PIERCE, FENNER & SMITH INCORPORATED

E*TRADE SECURITIES LLC

IDS LIFE INSURANCE COMPANY

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

FIRST COMMAND ADVISORY SERVICES

State Registrations and Notice Filings

Exams

Series 63

Date: 10/30/2025

Series 65

Date: 5/5/2000

Series 7TO

Date: 10/14/2025

SIE

Date: 7/25/2025

Series 7

Date: 3/30/1999

FINRA

Current Firm

FIRST COMMAND ADVISORY SERVICES

Contact information

SEC notice filing (52 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

FIRST COMMAND ADVISORY SERVICES

TRUST BUT VERIFY

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